Photo: shannonpatric17 · CC BY 2.0FEMA puts Minneapolis’s expected hazard damage per building above that of 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Minneapolis gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (75%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Minneapolis faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Hail
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Minneapolis’ grade
River and rain flooding is 75% of the building damage FEMA expects in Minneapolis, and Minneapolis’ rate of river and rain flooding damage is higher than 88% of U.S. census tracts. Tornadoes add 8%, at a rate in the top 9% of U.S. census tracts.
D higher expected damage per building than 86% of U.S. towns (21,298).
All of Minneapolis’ residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $2.2M a year in losses across Minneapolis: $1.2M to buildings, the rest to people and crops.
Does Minneapolis flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Minneapolis. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Minneapolis isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ottawa County.3 federal disasters brought FEMA money to Minneapolis
Disasters that paid out in Minneapolis itself (aid to households or repair grants to the City of Minneapolis), newest first, with that year’s flood claims.
- 2024Severe Winter Storm$22K to the City of Minneapolis for repairs
- 2007Severe Winter Storms$38K to the City of Minneapolis for repairs
- 2007Severe Storms, Tornadoes, and Flooding32 households applied for aid$43K aid approved
Ottawa County has had 14 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Minneapolis after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Minneapolis archive →Minneapolis and its neighbors
Minneapolis has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Minneapolis | Dmore damage than 86% | river and rain flooding | 0 |
| Concord Township | — | 373 residents; we grade 1,000+ | |
| Center Township | — | 47 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Minneapolis faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Minneapolis
Is Minneapolis at risk for natural disasters?
On FEMA’s National Risk Index, Minneapolis has higher expected damage per building than 86% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (75%) and tornadoes (8%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Minneapolis in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Ottawa County, 8% of homes in mapped flood zones carry federal flood insurance, and 1.5% of all homes do.
How much is flood insurance in Minneapolis?
FEMA’s Community Rating System list shows no discount for Minneapolis’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Minneapolis?
By FEMA money that reached Minneapolis, Severe Storms, Tornadoes, and Flooding (2007): 32 households applied for aid, $43K approved.
Is Minneapolis at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Minneapolis’ rate for it is higher than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Minneapolis.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Minneapolis’ residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.